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The Ultimate Guide to Group Business Travel Insurance

Everyone knows that an organization's greatest treasure is the workforce with the talent, dedication, and expertise. Thus, when the company or the boss intends to send its employees on business trips abroad, they need to ensure the employees take their trip on time to handle the work. Not only that, but they also care about how to protect their talent while they are taking business trips abroad. 

That is the reason why group business travel insurance is here to help the corporation safeguard its human resources effectively.

Group business travel insurance helps ensure employees arrive on time and protect their talent during international business trips.

1. Understanding Group Business Travel Insurance

At this point, ensuring employees have adequate insurance coverage during business trips is crucial for both the well-being of the individuals and the overall success of the organization.

1.1. What Is Travel Insurance for a Group Business?

Group business travel insurance is known as a type of policy that is designed to provide coverage for a group of people in the organization who are traveling together for business purposes.

1.2. Types of Business Group Travel Insurance:

Emergency medical coverage:.

Group business travel insurance with emergency medical coverage will cover the common cases below:

• Hospitalization: It will cover the cost of the employees staying in a hospital if they require inpatient care due to an unexpected illness or injury.
• Doctor Visits: It will cover the cost of consultations with doctors and specialists related to the employee's emergency medical situation.
• Surgery: In unexpected situation where the employee's emergency condition requires surgery, the travel insurance coverage will cover the associated costs.

Trip Cancellation/ Interruption Coverage:

Trip cancellation/ interruption is a type of coverage that reimburses pre-paid, non-refundable expenses if the trip of the employee is canceled or interrupted due to covered reasons (such as illness, injury, or other unforeseen events) .

Travel delay coverage compensates for expenses incurred due to unexpected delays.

Travel Delay Coverage:

The delays that occur when the employees take their business trip may cause some unforeseen situation that directly impacts the operation of the business activity and the firm partners (if any) .

Thus, travel delay coverage is known as a protection that will compensate for expenses incurred due to unexpected delays, such as flight cancellations or other travel disruptions.

2. Importance of Business Group Travel Insurance

Group business travel insurance is sometimes regarded as of dual importance for businesses. Because it ensures their employee's well-being while they are abroad, it is also known as company welfare for their dedicated talents. 

Besides that, depending on the key coverage of group business travel insurance, the company will reduce numerous risks to the schedule of the employees about delays, interruptions, and more when they are preparing to take the upcoming business travel.

2.1. Ensuring Employee Well-Being:

The well-being of employees while they are performing their mission abroad is a significant concern for all organizations.

Therefore, business group travel insurance plays a vital role in a part of operation to ensure the group of employees can completely contribute their passion to the firm.

Business group travel insurance is crucial for organizations to ensure employee well-being during missions abroad.

2.2. Safeguarding Business Assets:

Beyond the well-being of employees, it also acts as a smart step for the company in supporting its financial interests, especially for start-ups, small companies, or large corporations.

Every firm when they hold business trips abroad for employees always needs to plan in detail and precisely for it, because any business trip for a group will affect the working progress of the company as well as with partners, financial status, and more.

Therefore, group business travel insurance in this situation is a shield that protects against potential financial issues caused by unforeseen events like delays or interruptions during the business of the employees.

3. Factors to Consider When Choosing Business Group Travel Insurance

When selecting business group travel insurance for your organization's employees, it's crucial to carefully assess the coverage limits provided by the policy. As a leader, you should consider the following factors:

3.1. Coverage Limits:

• Medical Coverage: The coverage includes hospitalization, emergency medical evacuation, and repatriation.
• Personal Liability: The coverage may provide for personal liability in case employees are involved in a third-party injury or damage to property during the trip.
• Travel Delays: The coverage for expenses incurred due to travel delays, such as accommodation and meal.

3.2. Destination Specifics:

• Geographical Coverage: Ensure that the insurance policy that you choose for your group employees covers the specific destinations where they will be traveling. Because some policies may have limitations or exclusions for certain regions or countries.

Ensure your group employee insurance policy covers the specific destinations they will be traveling to.

• Emergency Services: Check if the policy includes 24/7 emergency assistance services, which can be crucial for your employees in case of medical emergencies, travel disruptions, or other urgent situations.
• Local Regulations: If the business trip of your company will take to some special destinations, please be aware of any local insurance requirements or regulations in the destination country. Some countries may have specific insurance requirements for visitors or business travelers.

4. How Do You Obtain Global Business Travel Insurance?

In order to get global business travel insurance for your employees, you can follow the steps below from Travelner Insurance to make buying quicker and smarter.

4.1. Provides Group Business Trip Information:

• Visit Travelner Insurance website;
• Entering comprehensive details related to the group business trips of the employees ensures the accuracy and completeness of the information;
• Provide the contact information of the group leader, the individual responsible for purchasing the group business policy;
• Additionally, include the total number of travelers on your group business trip, furnishing their respective information.

Purchasing a single travel insurance policy can be a cost-effective and convenient way to cover your entire group for large parties.

4.2. Choose the Best-Suited Plan:

• Once the initial information is submitted, embark on a journey through a diverse array of insurance plans tailored to match the specifics you provided in the preceding step;
• Explore the various plans that not only align with your group's needs but also come with distinct benefits, coverage limits, and pricing options. 

4.3. Fill out Personal Information of the Employees:

• Having identified the plan that best suits your group, progress to the third step by completing personal information for both yourself and your fellow group members;
• Once this step is accomplished, seamlessly transition to the final stage and get group business travel insurance.

Visit Travelner Insurance to get group business travel insurance with comprehensive coverage for your employees. If you consider so many options, you can connect with our 24/7 assistance through:

• Hotline: +1 949 864 6017
• Email: [email protected]

Let’s explore the best group business travel insurance for your organization with affordable prices at Travelner Insurance .

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What's the Best Business Travel Insurance?

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Group Travel Insurance

Group travel insurance policies allow organized groups of 10 or more travelers to purchase one policy at a group rate.

Convenient for Large Groups

Group travel insurance can conveniently cover an entire organized group of 10 or more travelers under one policy.

Comprehensive Benefits

Group policies allow each traveler to have coverage for their top concerns, including cancellations and medical emergencies.

Cost-Effective Coverage

Group policies are an affordable option for large groups that want comprehensive travel insurance benefits for their entire party.

What are the Benefits of Group Travel Insurance?

Planning a group trip can be stressful enough as it is. Fortunately, protecting those trips is made easy with group travel insurance. Rather than purchasing individual policies for each member of your party, you can save both time and money by purchasing a group travel insurance plan.

The best travel insurance plans for large groups will offer peace of mind through a wide-range of benefits that address the main concerns of travelers. Most group travel insurance plans will include trip cancellation, trip delay, and medical benefits, among others. Some group policies can also include coverage for lost, damaged, or stolen luggage or personal items.

Group Travel Insurance Coverage

How Do I Know if a Group Travel Insurance Policy is Right for My Trip?

In order for your group to be eligible for a group policy through Squaremouth, you must meet the following requirements:

You must be traveling with a group of 10 or more travelers

All travelers must be visiting the same destination

All travelers must have similar travel dates

All travelers must be U.S. residents

If you don't qualify for a group policy, Squaremouth recommends single trip travel insurance . Single trip policies offer the same coverage as group policies, however they are designed for individual travelers, or groups of less than 10.

Group Travel Insurance FAQ

See answers to common questions travelers have before purchasing travel insurance for a big group.

How Much is Group Travel Insurance?

The price of a group policy is based on the total trip cost and the number of travelers. Other factors may include your destination and the level of coverage your plan offers. Unlike single-trip and Annual travel insurance Annual travel insurance plans, age is typically not factored into the overall cost of group insurance.

Pricing for Group Travel Insurance can vary from one travel insurance company to the next, so it's always recommended to compare quotes from multiple sources before purchasing.

Does Group Travel Insurance Cover Medical Emergencies?

Yes, most group travel insurance plans include medical coverage. Since most primary healthcare plans don’t offer international coverage, many travelers purchase travel protection specifically for the medical benefits.

When comparing travel medical insurance plans for international travel, we recommend policies that include at least $50,000 in Emergency Medical coverage and at least $100,000 in Emergency Medical Evacuation protection.

What Are Common Exclusions of Group Travel Insurance?

Exclusions can vary from one travel insurance provider to the next. With that said, there are common exclusions that can be found across most group travel insurance plans:

• Losses due to pre-existing medical conditions (unless explicitly stated)
• Cancellations for a reason not covered by your plans Trip Cancellation insurance
• Losses due to intentional bodily harm
• Medical tourism, or traveling for the purpose of receiving medical treatment outside of your home country
• Losses related to an event known at the time of purchasing the policy

Does Group Travel Insurance Cover Domestic Trips?

Yes, group travel insurance can cover your USA adventure. If you are planning a domestic trip with a large party, group travel insurance can provide essential cancellation, delay, and medical coverage. All plans found on Squaremouth also include 24 Hour Travel Assistance services to support you before and during your trip.

Do You Need Group Travel Insurance?

Group travel insurance can help protect you from financial losses while traveling with multiple people..

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Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.

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Updated October 10, 2023

Table of contents

• Group travel insurance
• How it works
• Who should consider it
• Filing a claim
• Choose the best insurance

Group travel is an exciting way to explore the world while making deeper connections with your fellow travelers. But like any form of travel, it comes with certain risks.

Enter group travel insurance — a type of insurance policy that helps protect you and your travel companions from unexpected events, including medical emergencies and flight delays or cancellations.

Here’s what you need to know about group travel insurance, how it works, and when it might make sense for you to add it to your trip plans.

What is group travel insurance, and why is it important?

Group travel insurance is a type of insurance policy that covers a group of people taking a trip together. This could include families, friends, school groups, or sports teams. While what’s considered a group varies by insurer, it generally refers to 10 or more people traveling together.

Group travel policies and individual travel policies are similar in that they both provide coverage for common travel-related risks, including trip cancellation, lost luggage, and medical costs. Group travel insurance extends this coverage to a larger number of people.

When deciding whether to insure a group of travelers, travel insurance companies typically look at the number and ages of the people traveling, the total trip cost, and the destination. Some insurers may also impose age restrictions for group travel insurance. That’s why it’s important to carefully review the terms and conditions of your group travel policy to understand its specific coverage, limits, and exclusions.

How group travel insurance works

If you’re thinking about purchasing group travel insurance, it’s helpful to understand how it works and what you can expect to pay for coverage. Here’s what you need to know to make an informed decision.

Coverage options

The type and amount of group travel coverage you need depends on the needs of your specific group. Coverage options may include but aren’t limited to trip cancellation, travel delay, emergency medical care, trip interruption, and medical evacuation. Generally, travelers must be going to the same destination and have similar travel dates to qualify for group coverage.

Cost of group travel insurance

In general, you can find plans for as low as $600 and up to $1,600 or more depending on the coverage offerings. [1]

The cost of group travel insurance depends on your trip details, including your destination, group size, ages of travelers, and trip duration. International travel may cost more than travel within the U.S.

Group travel insurance policies usually have different tiers. For example, Allianz offers basic, prime, and premier group travel insurance plans. As the name suggests, the basic plan offers the least coverage and benefits but has the cheapest rate.

Here are the potential costs of an Allianz travel insurance policy for a group of six people aged 30 to 50 traveling to Spain for one week.

Basic group travel plan: $844 ($140.67 per traveler)

Prime group travel plan: $1,147 ($191.17 per traveler)

Premier group travel plan: $1,524 ($254 per traveler)

Benefits of group travel insurance

Group travel insurance policies offer various benefits to travelers, including:

Financial protection

Group travel insurance offers financial protection from a range of potential risks. For example, if you have to cut your trip short due to a covered injury or illness, group travel insurance may reimburse nonrefundable expenses, such as prepaid hotel stays. [2]

Emergency medical care coverage

Doctor’s visits and emergency evacuation are usually covered under group travel insurance. Additionally, some insurers started providing epidemic coverage during the COVID-19 pandemic.

Trip interruption and cancellation coverage

Trip cancellation coverage offers reimbursement if someone in the group has to back out due to sickness, a death in the family, or other situations covered by the policy.

Similarly, if you or another person in the group has to leave a trip early due to a covered reason, trip interruption travel coverage reimburses you for certain nonrefundable expenses, such as the unused portion of your hotel stay.

Baggage loss coverage

Baggage loss coverage will reimburse you for your missing luggage and personal items, usually up to a specific dollar limit — such as $200 or $500, but the exact limit varies by insurer. [3]

Peace of mind during travel

You’ve put time, effort, and money into planning the perfect adventure. Group travel insurance can provide peace of mind, knowing you’ve done everything you can to ensure your trip’s success.

Who should consider group travel insurance?

If you fall under one of the categories below, group travel insurance may be worth looking into before your trip.

Business groups: Companies organizing conferences, retreats, or other business trips for employees may want to consider group travel insurance.

Student groups: Group travel insurance can protect students and teachers during field trips, study abroad programs, or other types of travel.

Family groups: If you have a large family, group travel insurance can provide coverage for all family members, for a single trip, under one policy.

Sports groups: Sports teams traveling for competitions and tournaments may opt for group travel insurance to protect athletes and staff.

Wedding parties: Couples planning destination weddings may arrange group travel insurance for their wedding party and guests.

How to file a group travel insurance claim

Filing a claim on your group travel insurance policy includes the following steps.

1. Collect required documentation

The specific documentation will vary depending on the insurer’s requirements and claim type but may include:

Completed claim form

Copies of your medical bills

Hospital discharge paperwork

Copy of your passport

Copy of your airline ticket and boarding pass

Letter from your airline confirming your lost luggage

Receipts for missing items purchased due to lost or delayed luggage, such as toiletries or clothing

2. File the travel insurance claim

Filing a travel insurance claim follows a similar process to any other insurance claim. You should notify your insurer, ask any questions you have about your coverage, and gather supporting information and documents.

Some insurers have an online portal that allows you to file claims and upload required documentation all in one place.

3. Settle the claim

The time it takes to process and settle a group travel insurance claim depends on the type of claim and the documentation required.

After filing a claim, keep an eye on your email, as your insurer may contact you for clarification or additional proof. Responding to such communications quickly ensures your claim won’t have any delays.

How to choose the best group travel insurance

Here are some tips to help you choose the best group travel insurance plan for you:

Understand the needs of your group

Start by understanding the needs of your group and making sure the coverage works for everyone. For example, if someone in your group has pre-existing medical conditions, you want to make sure it’s covered under the policy.

Compare different insurers

Rates and coverage vary by insurer, so comparing group policies from multiple insurers is one of the best ways to find a plan that works for you and your fellow travelers.

Assess the coverage options

Carefully review the coverage options offered by the policy to determine if it’s adequate for your group’s specific needs. Don’t hesitate to reach out to the insurance company to clarify any of the coverage details.

Group travel insurance FAQs

If you’re planning for an upcoming group trip, this additional information may help as you research your travel insurance options.

Can you buy travel insurance for a group?

Yes. You can generally buy travel insurance for a group of people. However, some insurers may have restrictions based on group size, how many days of travel are planned, and the trip destination. Enter your trip details into an insurance-comparison website to view plans your group may qualify for.

Is it better to buy travel insurance as a group or individually?

It depends. Whether you should purchase an individual or group travel insurance plan varies depending on your specific situation. The main benefits of group travel insurance are convenience and potential cost savings. If you’re on the fence, compare options for individual plans and group travel insurance coverage, considering price, coverage, limits, and exclusions.

How many people are required to qualify for group travel insurance?

This varies by the insurance company, but generally, groups of 10 or more people are eligible for a group travel insurance policy.

What happens if a member of the group falls ill or has an accident?

If someone in your group becomes ill or injured, the first thing to do is seek medical attention if needed. Once you’ve addressed immediate medical needs, you should notify your insurance company and ask how to file a claim. You should be able to submit a claim against your group travel insurance policy through the company’s website, mobile app, or over the phone.

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Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.

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5 Tips for Booking Group Travel Insurance

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Table of Contents

1. Purchase early

2. get multiple quotes, 3. negotiate discounts, 4. opt for flexible insurance, 5. consider travel card travel insurance, types of travel insurance, if you want to book group travel insurance.

Are you planning a group travel event? Maybe you have a large family, or you’re heading to an event hosted by your employer. Whatever the case, you may be looking to purchase travel insurance for your time out of town; but since there are so many of you, it may make sense to purchase group travel insurance instead.

So, is it better to buy travel insurance as a group or individual? The short answer is that it depends.

If this is something you’re considering, read on to discover the different types of travel insurance, where to find group travel insurance plans and other tips for booking this type of insurance.

After you’ve figured out what you’re looking for, there are still a few things for you to consider before buying your insurance. Here are our top tips.

Navigating travel insurance can be overwhelming on its own and can be compounded when you’re traveling with a group. Since every traveler will have different needs, you’ll likely want to get the most comprehensive insurance available. That means buying early .

There are certain time limitations to specific types of insurance. Specifically, both pre-existing condition insurance and Cancel For Any Reason insurance are time sensitive.

Pre-existing medical condition insurance can generally be purchased from 10 to 21 days after first putting down a deposit on your trip.

Cancel For Any Reason insurance also typically needs to be purchased from 10 to 21 days after putting down your deposit.

After these time frames, these insurances become unavailable and anyone in your group needing them will have to look elsewhere.

You’ll also need to purchase travel insurance before an incident occurs. If you break your leg just before your trip but haven’t purchased insurance yet, it won’t cover the costs for cancellation.

Not only do travel insurance companies sell different types of insurance, but they price it differently as well. This is true for travel insurance for groups and individual insurance. This means you’ll want to get more than one quote for your travel insurance.

We tested the waters with our own search. In it, we put down a group of nine travelers heading overseas for a two-week vacation. The average cost for each traveler was $4,500 and their ages ranged from 35 to 55.

An insurance search comparison tool like Squaremouth can show you a variety of options for a given trip. In this example, it came back with a quote of $2,431 all-in. The other option we looked into, Seven Corners , returned a cost of $2,286.

» Learn more: How to find the best travel insurance

This tip is more applicable to those with larger groups or those who may be traveling more often. If, for example, you’re a corporate customer whose employer is planning on quite a few conferences, you’ll likely need to purchase group travel insurance more than once.

With the power of a crowd or the promise of additional business, you may want to consider contacting your travel insurance company directly to negotiate a better rate for your group.

» Learn more: What does travel insurance cover?

The needs of the many necessitate flexibility, and nowhere is this more evident than when trying to purchase a group travel insurance policy. We noted earlier that you’ll want to opt in early if you’re looking for the best coverage availability.

Because you’re traveling with a group, you’ll also want to choose insurance that gives you flexibility. This can come in many forms. Some insurances will provide you with reimbursement if you’re laid off, for example. Others will allow you to purchase an add-on that allows you to cancel for any reason.

It may be more expensive, but you’ll likely want to choose those additional coverages for your group insurance so that everyone is covered for a variety of incidents.

Finally, you’ll also want to consider flexibility when it comes to a return period. Insurance providers will generally offer money-back guarantees on their policies. The amount of time you’ll have to consider your decision will depend on your plan. This can range from 10 to 14 days, but it can span a longer period.

» Learn more: Is travel insurance worth it?

Did you know that many travel cards come with their own form of complimentary travel insurance? Coverage limits and types will depend on the card that you hold, but generally, you can expect to see things like rental car insurance, lost luggage insurance, trip cancellation insurance and trip delay insurance.

Your group may even be covered when an individual uses their card to pay for the trip. With the Chase Sapphire Reserve® , for example, the cardholder and their family members are all covered in the event something goes awry. Covered travelers include:

Stepparents.

Aunts and uncles.

Grandparents.

Legal guardians.

Nieces and nephews.

Parents and siblings.

That’s quite a range!

The Platinum Card® from American Express also features travel insurance, though its definitions for who is covered are even broader. You’ll still need to pay for the trip with your eligible card, but you, your family members and your traveling companions all qualify for this insurance.

Note that a traveling companion is someone who has made advanced arrangements with you or your family members to travel together on a covered trip. Terms apply.

However, before you go all-in on travel card insurance , you’ll want to review the coverage limits. With a large enough group, you may find that the complimentary insurance offered by your card isn’t sufficient for your needs.

» Learn more: The best travel credit cards right now

Before you begin searching for travel insurance, you’ll first want to figure out what you’re looking for. Different companies will sell different types of travel insurance with varying levels of coverage, and the price changes to match.

Most often, you can expect to find these varieties of travel insurance available for purchase:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

Most individuals purchase base level travel insurance coverage and then customize their plan to better fit their specific trip needs. Cancel For Any Reason insurance is a popular add-on; while it's an upcharge, it can help you get back up to 75% of your nonrefundable travel expenses.

Travel insurance can provide peace of mind when you’re away from home, and there’s no reason why groups shouldn’t want it, too. Before purchasing a group policy, make sure you’re getting multiple quotes and searching for flexible plans so that everyone has what they need.

Finally, check out your travel card to see if its complimentary insurance that fits with your travel plans.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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The Best Business Travel Insurance (2024 Guide)

Business travelers need travel insurance cover potential unexpected delays, cancellations, interruptions or baggage loss.

in under 2 minutes

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Travel insurance for business travelers covers specific needs that may differ from personal vacations. For example, you may need an insurance policy to cover a laptop or other business equipment and a rental car. Trip insurance can also provide peace of mind that you have coverage while traveling so you can focus on work.

We at the MarketWatch Guides Team have researched the best travel insurance companies to help you choose the right business travel insurance policy. Read on to learn more about the benefits, coverage options and cost of business travel insurance.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

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Why Get Business Travel Insurance

Often referred to as corporate travel insurance, business travel insurance can protect you from financial risks and losses during work trips. While personal and business insurance products still offer trip cancellation and medical coverage, there are a few key differences compared to standard travel insurance.

Business travel often includes unique risks due to frequency, trip costs and busy itineraries that require transportation. Frequent business travelers may benefit from multi-trip or annual insurance plans, along with generous coverage limits for trip delays, lost luggage and stolen business devices. These types of trip policies can help combat financial losses related to work travel.

What Business Travelers Need Covered By a Travel Insurance Policy

Below is a list of the main policy types for business trip insurance.

Trip Cancellation and Interruption Coverage

If you need to cancel a business trip or cut it short due to disruptions, travel insurance with trip interruption and cancellation coverage can help recover non-refundable, prepaid costs. Reimbursement is subject to reasons approved by your travel insurance provider and can vary. Generally, travel insurance covers cancellations due to the following unforeseeable events:

• The insured traveler or accompanying business partner suffers a serious illness or injury
• Death of a family member
• Natural disasters
• Terrorist events
• Inclement weather resulting in canceled flights
• An unexpected legal obligation such as jury duty

Since most policies cover cancellations for unexpected or emergent reasons, business travelers may choose to upgrade their plan with cancel for any reason (CFAR) coverage . CFAR coverage is an add-on that allows you more flexibility in canceling your trip.

Baggage and Personal Belongings Coverage

Travel insurance with baggage coverage reimburses partial or full costs due to:

• Lost or damaged baggage
• Theft of valuable business equipment
• Loss of travel documents

Furthermore, most policies provide baggage delay insurance to reimburse you for purchased necessities (like clothes and cosmetics) if your luggage arrives late to your destination.

Business Equipment Coverage

It’s important to check the fine print of policy documents to ensure you have sufficient coverage for specific business equipment. Many providers offer additional business coverage as an upgrade. For example, the Allianz AllTrips Executive Plan features specific benefits for business equipment and rentals.

What Is Business Travel Medical Insurance?

Business travel medical insurance can help cover emergency medical expenses during business trips. While some private health insurance extends international coverage, government health insurance will not pay for your medical care while traveling abroad. Comprehensive travel insurance plans also include emergency medical evacuation and repatriation coverage, along with accidental death and dismemberment benefits.

Travel medical insurance typically pays emergency healthcare costs related to:

• Ambulance service
• Hospital or medical facility fees
• Emergency dental work
• X-rays and lab tests

Business Travel Insurance Cost

The cost of travel insurance depends on your provider, coverage selections and destination. Generally, travel insurance policies cost $35 to $200 per trip. However, your cost may vary if you add business-related coverage such as device protection or rental car damage. You may also have a different rate if you opt for multi-trip or annual coverage .

You can also check with your credit card company to see if you have existing coverage, or opt for coverage through your airline. We suggest requesting quotes from at least three providers before selecting a travel insurance plan.

Benefits of Business Travel Insurance

Whether you’re embarking on a single-trip business venture or you travel for work regularly, it pays to safeguard your travel investments. Business travel insurance costs are minimal in comparison to expensive last-minute cancellations or health emergencies while overseas.

Here are some of the top benefits of a business travel insurance plan:

• Financial protection against unforeseen events
• Reimbursement of prepaid, nonrefundable costs due to travel delays , interruptions and cancellations
• Coverage of lost or stolen business equipment
• Some providers offer 24/7 travel assistance services for business travelers

Tips for Choosing the Right Business Travel Policy

Most comprehensive travel insurance policies are suitable for business travelers. You may choose add-ons for extra protections, including rental car, CFAR and business rental equipment coverage. To choose the right policy, consider the below tips:

• Compare coverage options, exclusions and costs between insurance providers
• Evaluate the reputation and financial stability of each insurance company
• Look for coverage that includes loss or delay of business devices
• Consider providers that offer 24/7 travel assistance and concierge services for business travelers

Considerations for Business Travelers

Before purchasing business travel insurance, consider your personal requirements. For example, you may need coverage for pre-existing medical conditions . If you are traveling abroad, international travel or visa requirements could require valid travel insurance.

If you’re traveling with expensive electronic devices, check that your policy includes valuables or device coverage. Also, consider baggage loss coverage if you plan on checking any valuables with your bags. For regular business travel, consider purchasing multi-trip or annual insurance policies to pay one premium for multiple trips made during a specific time frame.

Is Business Travel Insurance Worth It?

Business trips often include significant prepaid costs for airfares, hotels and car rentals. It is ultimately up to you to decide if travel insurance is worth it for your next business trip. However, travel insurance for business travelers helps cover your financial investment, along with any valuable items you take with you or rent. Comprehensive travel insurance also provides peace of mind in the event of medical emergencies while you’re on business trips overseas.

Frequently Asked Questions About Travel Insurance for Business Travelers

What does business travel accident insurance cover.

Business travel accident insurance protects employees who travel frequently for work. Most policies cover accidental death or dismemberment, which typically applies to incidents that occur on common carriers in transit (like an airplane). However, some plans may include other medical benefits.

Will travel insurance reimburse expenses for a canceled business trip?

Reimbursement rates and conditions depend on your travel insurance policy. If your trip gets canceled for a reason covered by your travel insurance provider, you can claim reimbursement of prepaid, non-refundable costs, such as flights and hotels. Acceptable reasons for cancellation generally include unforeseeable emergencies like serious illness or injury.

Does travel insurance cover business equipment?

Not all travel insurance policies cover business equipment. Check with your provider to ensure you have coverage for specific business items or devices. Many companies offer upgrades and add-ons for extra coverage of valuables, along with plans specifically designed for business travelers.

If you have questions about this page, please reach out to our editors at [email protected] .

What is group travel insurance?

• Do I need it?

What does group travel insurance cover?

• How to get the best deal

What is group travel insurance, and should you get it instead of a regular travel insurance policy?

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Group travel insurance is a single policy that covers groups of 10 or more.
• Everyone in the group must have the same itinerary and travel to the same destination.
• Shop early and compare quotes to get the best deal.

Whether you're preparing for a large family reunion in another state, booking a business trip with colleagues, or traveling with your college crew to a new country, you might want to consider group travel insurance for the entire traveling party.

Here's what you need to know about group travel insurance — how to determine if you need it, different options, and tips to secure the best deal. 

Group travel insurance is a single travel insurance policy that protects everyone on a trip. Group travel insurance policies are available for groups of 10 or more. Unlike other insurance policies that only cover one person or one family, group travel insurance can cover any group traveling together. You do not have to be related.

Group travel insurance policies usually offer comprehensive coverage, including standard protections against lost luggage, legal fees, medical emergencies, trip cancellations, and more. 

The coverage you select applies to everyone in the group. Each group member can make individual claims, which is helpful if only one or two people need to make a claim. But if everyone is involved, the entire group can file claims. 

Do I need group travel insurance?

Group travel insurance might make sense if everyone in your group has the same itinerary and travels to the same destination. The main perk of group travel insurance versus separate policies for each person is that it streamlines the purchasing process. You can buy one policy instead of multiple. Plus, it might be cheaper.

But to make it work, your group needs to be organized. This is especially true if group members intend to split the cost of the policy. It's crucial to communicate well with the people in your group and ensure everyone is on the same page. 

Also note that there are many credit cards with travel insurance , though it won't cover everyone in a large traveling group. But if you're on the fence about travel insurance to begin with, paying for your travel with a card that offers some coverage is a good solution.

Most group travel insurance policies offer comprehensive coverage. Comprehensive policies usually cover common travel issues like cancellations and medical emergencies. 

Here's the coverage you can typically expect from a comprehensive group travel insurance policy. 

• Trip cancellation insurance: If you need to cancel your trip, this coverage reimburses you for the cost of travel. Each policy includes a list of cancellation reasons that are covered.
• Travel insurance for baggage: This covers the cost of stolen or missing luggage.  
• Emergency medical evacuation insurance: Covers the cost of transportation from one location to another due to an emergency medical situation.
• Travel medical insurance: If you need medical care due to illness or injury while you're traveling, this part of the policy covers the cost. 
• Trip interruption travel insurance: If you have to cut your trip short due to an unforeseen emergency, this helps pay for travel plan changes. 
• Trip delay travel insurance: If there are delays to your flight or another aspect of your trip, this covers extra costs associated with the delay. It might include reimbursement for meals or hotel expenses. 

How to get the best deal on group travel insurance

Depending on the details of your trip, group travel insurance might be cheaper than purchasing individual policies for each traveler. But that is not always the case.

As you shop for group travel insurance, there are steps you can take to ensure you get the best deal.

Get multiple quotes

It's smart to get quotes from several providers so you can compare coverage options and pricing. You can use a travel insurance comparison site like SquareMouth or TravelInsurance.com, or you contact providers directly. Once you know the price range for protection, you can select the provider that seems like the best fit. 

Last-minute travel coverage is usually more expensive than shopping in advance. As soon as you know the itinerary and have your travel booked, start looking for coverage to find the best deal. Plus, your policy kicks in right away, which is helpful if an event occurs in the lead-up to a trip. 

Understand the coverage

Dig through the policy details, including coverage details and deductibles. If you don't need specific coverage, ask if you can remove it. Similarly, you might be able to raise your deductible and lower your premium. But it's essential to ensure you can afford the deductible amount if you need to file a claim. 

Group travel insurance frequently asked questions

Group travel insurance is a single policy that covers 10 or more people traveling together. Group members can file individual claims, but everyone on the policy has the same protection, and there's one price for the coverage. Individual travel insurance covers one person or one family. The coverage options are similar for both.

Individual travel insurance policies cover one person. You can usually add immediate family members like your spouse or children to the policy. Group travel insurance covers groups of 10 or more. 

Multi-trip insurance, also called annual travel insurance , is a travel insurance policy covering every trip you take in one year. It's an annual policy that only protects the policyholder. 

Most of the top travel insurance companies offer group policies, including Allianz Travel Insurance , AXA Travel Insurance , Seven Corners Travel Insurance , and Tin Leg Travel Insurance . If you don't have a particular provider in mind, consider using a site like SquareMouth that compares quotes from multiple insurers.

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Group Global Benefits and Insurance

Group Insurance for International Employees, Volunteers, Remote Teams, and Expatriates

There are a variety of international insurers and plans available, so to save you from hours of research, we created a guide to help you choose the right plan for your group.

Our long-term, global medical plans are comprehensive and customizable to fit your employees' unique needs. Our travel plans cover medical emergencies, lost luggage, flight delays, and other additional benefits to ensure you and your group are fully protected. Group international life insurance plans provide additional benefits to key international employees.

Global group health, life, and travel plans are the best way to ensure your group is well protected. If you are organizing a trip abroad for a missionary group or looking to cover employees who live overseas, we can help you find the right coverage. Our insurance agents take a tailored approach and listen to the needs and requirements of each organization so they can develop the best proposal for your group or corporation.

Interested in learning more about international group plans?

Request a free quote and one of our agents will contact you.

Individuals and families, read about international health insurance and travel insurance plans.

Who Needs Group Insurance?

International organizations are opening offices around the world at an increasing rate. Employing workers overseas requires a global approach because a corporation cannot provide healthcare coverage through a domestic plan. Therefore employers are responsible for ensuring their international team has access to high-quality global benefits plans, including global medical and life insurance coverage.

Additionally, corporations, missionary groups, and nonprofits who require their employees or members to travel internationally multiple times a year need travel insurance to protect their travelers from medical emergencies and other unforeseen circumstances.

How We Can Help

If you’re in charge of sending a group of people abroad, you know nothing is more important than protecting the health and safety of the people you lead. One of the most significant decisions you must make is what kind of international group insurance you will purchase to cover them. But the world of insurance is complex, confusing, and changeable, and learning all you need to know to make the right choice can be a full-time job.

That’s why International Citizens Insurance is devoted to helping organizations through every step of the group insurance process, from comparing and choosing a plan that’s just right for your group to deal with issues that arise during an international assignment. Whether you’re a multinational corporation sending employees on assignment in Indonesia, a school planning a study abroad program in France, or a nonprofit managing volunteers on a relief mission in Zimbabwe, we at International Citizens Insurance are with you every step of the way.

We have experience insuring corporate groups , large and small nonprofit organizations , missionaries , and business travelers for long or short-term trips abroad. Some actual clients have included:

• A corporate account in Shanghai with expatriate employees from several countries
• A volunteer organization building schools in Guatemala
• A group of 100 remote workers traveling around the world in 365 days
• A youth orchestra playing a 2-week tour of China
• A Professional Employer Organization (PEO) with local employees worldwide

Whatever the size and nature of your group, click below to start a free quote, or read on to learn more.

A global medical group plan is an excellent option if two or more employees live or travel abroad for most of the year. Our team of licensed agents can help you determine the coverage and benefits you need to insure your employees while they are outside of their home country.

• Your team includes third-country nationals and you want to consolidate coverage into one plan to cover them all
• You’re hiring new international employees who will be moving abroad for an extended period
• You’re growing your team to include local nationals or 'inpats" in foreign countries
• You have key employees who live abroad for 3-6+ months per year and need to be able to access care worldwide

If your organization has offices in other parts of the world, you must ensure that your team has high-quality health coverage, no matter where they’re assigned. For these types of situations, travel and emergency medical coverage typically aren’t enough. We can help connect you with the best global medical insurance for your organization, needs, and budget.

With our extensive expertise and experience in the field, we’ve identified and rated the top ten global group health insurance plans for various scenarios. Maybe your organization needs highly customizable benefits but wants access to a broad network of providers. Perhaps you’re running lean and need something that will cover your bases but still fit a tight budget. Or maybe you only need options that cover employees outside the United States. Whatever your situation, we can find a plan for you.

A global medical group plan is an excellent option if you have two or more employees living or traveling abroad for most of the year. Our team of licensed agents can help you determine the coverage and benefits you need to insure your employees while they are outside of their home country.

Global Health Plans for Groups

Below is an overview of some of the best group plans if you have international employees or volunteers working or living abroad. These are just a few plans we offer, and many can be customized to meet your specific needs.

Review: Best Group Global Medical Insurance Plans

Cigna Global Health Advantage (GHA)

If you have employees working in another country, you want to ensure that each of them, and their families, have access to a quality healthcare system wherever they are in the world. With Cigna GHA, they will have easy, reliable access to one of the largest networks of health care professionals around the globe. The GHA plan is designed to cover groups of two or more employees living and working worldwide. Cigna Global also has additional plan options for entities based outside of the USA, including Inspire and Connect plans. Request a quote for more information.

For larger groups, we can provide customized plans to meet your specific needs and work with your team to customize global medical coverage for your employees.

Cigna Global Health Advantage Plan

• International Employee Assistance Program
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Eligibility: A minimum of two eligible employees must be enrolled in the program at all times (U.S. employers must have 50+ employees worldwide). International entities have different requirements.

GeoBlue Expat Group Insurance Plan

The GeoBlue Global Expat Plan provides comprehensive international health benefits with enhanced medical assistance services for long-term international assignments. The GeoBlue Expat plan is designed for international assignees and their families when they leave their home countries for six months or more.

GeoBlue Expat Group Insurance

• Rich medical benefits plus evacuation, maternity care, and well visits
• Flexible coverage for international employees of U.S. corporations
• Customizable benefits, premier global network of Doctors and hospitals, excellent customer service

Eligibility: Available to groups of two or more, and must have a tie to a U.S. organization.

Aetna Ascent Group Medical Insurance Plan

The Aetna Ascent plans are designed for groups of 2 – 10 expatriate employees. There are six Aetna Ascent medical plan designs for you to choose from. Each plan offers your employees comprehensive, global healthcare coverage and innovative wellness programs.

Aetna's plans are global and can cover internationals residing throughout the world.

Aetna International Ascent

• Member access to our network of more than 1.1 million global providers
• Simple plan administration and implementation, with annual renewal dates
• Compliance with fronting arrangements and local requirements

Eligibility: Plans require a minimum 2 non-related international employees.

Request a Quote for Group Global Health Insurance

Interested in learning more about group global medical plans.

There are two main types of group travel insurance plans: coverage for a large group on a single trip or an annual plan covering all travelers from your organization for multiple trips over a period of twelve months.

We can help you find the right travel insurance, whether for a small group heading to a week-long conference, a volunteer mission, a school outing, or your jet-set employees who wake up in a different city every day. Read on to see how we help you keep your teams safe.

Annual Multi-Trip Business Travel Insurance Plans for Employers

Suppose your team's trips aren’t very long but fairly regular. Some organizations send individuals or groups abroad multiple times yearly — not always with the same team members. You might want an annual travel insurance plan if this sounds like your situation. These plans work well for employees who have a primary health plan in their country of residence but need the plan to cover them for major medical emergencies abroad.

You can purchase your plan at any time in the year, and it will cover emergency medical expenses for the next twelve months. This type of plan saves you money if you run group trips abroad more than three times a year and saves you the time and headache of arranging a new plan each time.

Cigna MBA - Corporate Travel Insurance Benefits

With Cigna Global’s Medical Benefits Abroad plan, you can rest easy when your employees travel internationally on company business. The MBA plan provides the comfort of proven experience, simplicity, convenience, flexibility, and support for you and your traveling employees. This plan will cover medical benefits, prescription drugs, dental emergencies, medical evacuation, personal travel, and medical care for family members traveling with the covered employee.

Four pre-priced plans are available with the option to add or remove accidental death and dismemberment or medical evacuation and repatriation. Custom quotes for other coverage options, including flexible deductible and coinsurance levels, are available to help meet your company’s unique needs for any number of international business travelers.

BCBS Global Traveler Insurance for Employees Abroad

GeoBlue, in partnership with Blue Cross Blue Shield Global and the Blue Cross and Blue Shield Association, offer the BCBS Global Traveler plan, which provides supplemental medical coverage for short-term international employees. Benefits include:

• Coverage for unanticipated illness or injury that occurs while workers are traveling outside their home country on a trip shorter than 180 consecutive days
• The administration is easy, with no upfront enrollment information required
• Coverage is portable and goes wherever business travel takes employees

We offer several other options and can work with your company to design a group travel insurance plan based on your employee demographics, coverage requirements, and corporate structure. Please request a quote to start the process and our licensed agents will follow up with some options.

Request a Quote for the Cigna MBA Plan or the BCBS Global Travelers plan.

Business Group Travel Insurance for Single Trips

We offer several solutions for short-term business travelers, depending on their needs and their country of origin. The GeoBlue Voyager plan is our top choice for U.S. citizens traveling abroad for work. Blue Cross Blue Shield's backing gives your team members access to a global network of top doctors and hospitals. For travelers from other countries traveling internationally, Atlas Travel Insurance plans are available to all nationalities.

Besides top-notch medical coverage, these plans include repatriation, emergency and accident insurance, and other benefits that protect your team members’ health, property, and time.

Read about the unique insurance needs of business travelers at this link: Business Travel Insurance for Employees Abroad

Travel medical insurance policies can cover small and large groups or individuals traveling abroad. These plans will help cover the costs of getting medical attention in an emergency. Short-term travel medical insurance is available as a single-trip plan that covers a specific trip for a specified number of days or months.

We recommend trip cancellation insurance for individual employees traveling short-term. It allows the policyholder to cancel if plans have changed, a natural disaster has occurred or they suddenly became sick and can no longer travel.

If your employees or group travel more frequently, we offer multi-trip medical insurance plans which cover you for multiple trips per year.

Best Travel Plans for Groups and Individuals

Our travel plans provide great, short-term cover for employees traveling for business or groups traveling to do volunteer work internationally. These insurance plans include comprehensive benefits, such as medical care, repatriation, and emergency and accident assistance.

Organizers can purchase group travel insurance plans individually or on a group basis. The cost of group travel insurance is determined by the type of coverage selected, the size of the group, the duration of coverage, the destination, and the deductible amount.

Interested in learning about group travel plans?

International group life insurance.

An international global life insurance policy is a benefit that will attract and retain your best employees. This is especially true for a global workforce that may not have access to all the benefits offered to local employees. Your team will appreciate the additional benefits, including:

Key Benefits of the International Group Life Insurance Plan

• Whole and Term Life options are available
• Customized for international employees, remote teams, and expatriates
• Comprehensive benefits for death from illness or accidents
• Terms from one to 25 or more years
• Worldwide protection

Getting Started - Request a Quote Today!

In order for us to assist you in finding options for your group, please let us know a little more about your situation by completing our Request a Quote form.

We can tailor plans to meet your needs, coverage requirements, and budget. After assessing your needs, we will typically be able to provide three or more quotes from multiple insurance companies.  If you have any special requirements, please let us know. If you want quotes from specific companies, we will provide them.

Author: Andrew Blomberg is the Vice President of Global Benefits at International Citizens Insurance . Andrew is a licensed insurance broker with expertise in the areas of international group travel, global health, life, and disability insurance. Having worked and traveled throughout the world, he has the experience to provide personal insight along with his industry knowledge. Andrew is dedicated to providing group benefits to organizations, large and small, for today's global workforce. Connect with him on LinkedIn .

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What type of coverage do you need?

• Vacation / Holiday
• Visitor / Immigrant
• Student / Scholar
• Employer / Business Traveler
• Expat / Global Citizen
• Mission / Social Good
• Marine Captain / Crew
• Flights / Airfare
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Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

Popular Plans

International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Individual & Family Services

Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

What type of organization do you represent?

• Corporations
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Medical & Travel Assistance

Global workers' compensation case management, security assistance services, insurance administrative services, business travel insurance plans, health & trip insurance options for business travel.

E mployees working and living internationally need reliable access to high-quality health care, comprehensive benefits, and the kind of personalized service that demonstrates how much their well-being matters to your organization.

With IMG's international employer and business insurance plans, employees get the coverage they need to succeed internationally. Round-the-clock access to emergency medical and travel assistance, easy-to-use online tools, group plan management resources, and multilingual claims specialists are just a few of the ways employees enjoy their travels with an IMG plan.

You have enough to worry about when you're traveling for work. Don't let your medical coverage be an uncertainty. Explore the plans below to learn more about how IMG can provide international employers and business travelers Global Peace of Mind ® .

Popular Plans For Employers & Business Travelers

iTravelInsured Travel Insurance

Insurance that covers trip cancellation, travel delays and other losses incurred while travelling

• Insurance that covers trip cancellation, travel delays and other losses incurred while traveling
• Travel insurance program for trips up to 31 days
• Standard Coverage for trip cancellation and interruption
• Emergency medical expense, evacuation, and reunion benefits
• Three product options for varying levels of coverage

Patriot Multi-Trip Travel Medical Insurance

Annual multi-trip insurance plan for individuals, families and groups

• Annual multi-trip travel medical insurance for individuals, families and groups
• Deductible of $250
• Maximum limit of $1,000,000
• Coverage for multiple trips up to 30, 60, or 90 days
• Flexibility to travel as many times per year

Summary of Benefits

The Global Employer's Option - GEO Group

Worldwide employer-sponsored group health insurance

• Employer-sponsored group health insurance for internationally assigned employees
• Dental, disability and life insurance available
• Full group takeover and replacement provision
• Qualifies as Minimum Essential Coverage (MEC)
• Universal Rx pharmacy discount savings
• Optional telemedicine benefits for physical and mental health

The following benefits are offered to eligible insureds.

The plan charges for eligible medical expenses within the area of coverage.

All amounts are shown in US dollars and subject to applicable deductible and coinsurance.

Copayment is per 30-day supply Dispensing maximum per prescription: 180

• Enroll: www.expatps.com
• Email scanned prescription to [email protected]
• Fax: +1.540.777.7184
• Phone number: +1.540.777.1450
• Email: [email protected]
• Subject to Deductible and Coinsurance
• Accident related
• International only
• Inpatient Hospitalization only

Private Hospital

• Overnight Maximum Limit: $400
• Maximum Limit: $4,000

Public Hospital (state, government or charitable Hospital)

• Overnight Maximum Limit: $500
• Maximum Limit: $5,000

Treatment received by the Insured Person at a Public Hospital and no Charges are incurred by the Insured Person or the Company will be subject to the Public Hospital Maximum Limit.

Treatment received by the Insured Person at a Public Hospital and Charges are submitted to the Company for reimbursement will be subject to the Private Hospital Maximum Limit.

• Maximum Limit per Accident: $300
• Once the Maximum Limit is satisfied, Charges will be subject to Deductible and Coinsurance and paid the same as any other Injury
• Benefit available every 24 months
• Routine Eye Examination Maximum Limit: $100
• Corrective Lenses (Contacts)/Frame Maximum Limit: $150

Dental Benefits

**Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised, or identified during such consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised, or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Policy.

Additional Plans For Employers & Business Travelers

Patriot Exchange Program

Medical insurance for students, families, and groups while studying abroad.

Mission & Social Good Insurance

International medical plans tailored to meet the needs of mission sending organizations, churches and missionaries.

Marine Captain & Crew Insurance

Comprehensive and portable medical insurance plans designed specifically for professional marine captains and crew.

Patriot Lite Travel Medical Insurance

Temporary health insurance for individuals, families, and groups when traveling outside of your home country.

Patriot Platinum Travel Medical Insurance

Temporary first-class health insurance for individuals, families and groups when traveling outside of your home country.

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In today’s technology-driven world, there is an app for everything. Many travel apps boast promises of finding the best deals, but which apps actually add value to your adventure? We’ve compiled our best apps for saving money, eliminating headaches, and planning your trip.

Frequently Asked Questions

With an international health plan from IMG, you have medical coverage worldwide. Our plans give you the freedom to choose your own health care provider wherever you are in the world.To view IMG's exclusive provider list, visit the Find A Doctor page in the myIMG member area.

To be eligible for trip cancellation reimbursement, you must cancel your trip due to one of the reasons covered in your plan. Additional terms apply. You may add Cancel for Any Reason coverage to our LX plan. This allows you to cancel for any reason not otherwise covered by your plan and receive a partial refund. Additional cost and terms apply. Not available in NY.**

It is best to check all of your existing coverages or insurance policies before traveling abroad so that you're aware of how you're covered and where you have gaps in your existing coverage.

To qualify as an “expatriate health plan,” substantially all of the primary enrollees must be “qualified expatriates.” A “qualified expatriate” is a primary insured meeting all of the following:

Qualified Expatriates in the U.S.:

The individual’s skills, qualification, job duties, or expertise is of a type that has caused the employer to assign him to the U.S. for a specific temporary purpose or assignment tied to employment; and

In connection with such transfer or assignment, the plan sponsor reasonably determines that the individual will require access to health insurance in multiple countries, and is offered other multi-national benefits on a periodic basis (e.g., tax equalization benefits, cross-border moving expenses, compensation to enable the expatriate to return to his home country);

Qualified Expatriates Outside of the U.S.:

The individual is working outside the U.S. for a period of at least 180 days in a consecutive 12-month period that overlaps with the plan year. For purposes of the definition, “U.S.” includes the 50 states, D.C., and Puerto Rico.

There are also special provisions for members 501(c)(3) and 501(c)(4) organizations who are traveling or relocating internationally for the organization, including students and religious missionaries.

Expatriate Health Plans are Minimum Essential Coverage

Expatriate health plans qualify as minimum essential coverage. This means that an expatriate health plan will satisfy the employer mandate and the enrollee’s individual mandate.

Employers are Still Subject to §6055/§6056 Reporting and Cadillac Tax on Certain Expatriates

The exemption from ACA requirements does not apply for the new health information reporting requirements for the beginning of 2016.

However, the information statements (primarily the Forms 1094-C and 1095-C for employers) may be provided electronically to individuals covered under an expatriate health plan even if the individual has not consented to electronic distribution (as long as the individual has not explicitly refused electronic distribution).

Expatriate health plans will be exempt from the §4980I excise tax on high cost employer-sponsored health coverage (generally referred to as the “Cadillac tax”) that is scheduled to take effect in 2018, except for expatriates assigned to work in the U.S.

Effective Date

These provisions related to expatriate health plans apply to expatriate health plans issued or renewed on or after July 1, 2015.

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.  

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying. 

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.

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Business Travel Insurance

What is business travel insurance? 

If you’re planning a business trip, you should make sure you’re protected in case something doesn’t go to plan. With our business travel insurance policies, you can choose the perfect cover for you. Whether you're travelling once or taking multiple trips, heading to Europe or visiting further afield, our business travel insurance is appropriate for most travellers.

By purchasing travel insurance for your business trip, you can take the unnecessary worry out of travelling, so you can concentrate on the job at hand. Our specialist business travel insurance is designed with professionals in mind. That’s why we include cover for business equipment, alongside medical expenses, loss and cancellation. This way, you can rest assured that should anything unexpected happen, the essentials will be taken care of.

As with our usual policies, you can feel safe in the knowledge that our global team of experts are on hand to provide support and assistance if something goes wrong. With over 13,000 people working across five continents and speaking 58 languages, we’ll be by your side wherever your work takes you.

Below is some more information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

What does business travel insurance cover? 

With our business travel insurance, you can choose between a Single Trip or Annual policy. We also have two levels of cover: Silver and Gold.

Whichever level of cover you choose, our Single Trip and Annual policies include business equipment cover, so you may not need to take out separate laptop travel insurance. We can even send a replacement business associate to complete your itinerary if you have to cut your journey short.

Business travel insurance can protect you if you need to cancel your trip before you travel, or if you need to curtail your journey. If your departure or your personal belongings are delayed, we can provide some compensation. We’ll even provide legal support to claim compensation for a fatality, or if you fall ill or are injured on your trip.

We also understand that medical cover is important. That’s why our travel insurance for business trips covers emergency medical expenses, personal accident and personal liability cover. You’ll have 24-hour access to a GP consultation service  too.

To help protect you while you’re away, our policies can cover you if you lose your passport, personal money or personal possessions. If you choose our Gold cover, you’ll also be protected against the financial failure of your end-supplier.

To see exactly what our business travel insurance policies include, please visit the  Policy Information Hub . 

The right cover to fit your needs for you and your travels

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Business Silver

Business gold, annual multi-trip silver with business, frequently asked questions.

Whether our Single Trip or Annual business travel insurance is right for you will likely depend on how often you travel.

If you’re only planning on taking one business trip this year, then our Single Trip business travel insurance is the right insurance policy for you. But, if you’re a frequent traveller and you plan on taking multiple trips, our Annual business travel insurance could work out to be a more cost-effective option.

You can work out whether a Single Trip policy or an Annual policy is best suited to your needs by getting a business travel insurance quote online.

If you’re thinking of combining business with pleasure on your trip, while many sports and leisure activities are covered as standard on our Business Travel policies, from 5th May 2021, we will not be able to provide cover while you take part in riskier Category 3 and Category 3 sports and leisure activities like kite surfing and rubgy. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again. Policies purchased after 5th May 2021 aren't affected and your cover won't change.

If you’re likely to hit the slopes while you’re away, then we do offer  Winter Sports and Ski as an optional addition to your policy. This will provide you with protection against ski-specific risks such as avalanche closures, delayed or damaged ski equipment and unused ski-pack costs. 

How to ensure you have the right cover

Does your bank or credit card company provide cover.

Many bank accounts and credit cards come with some level of travel insurance cover. While some may be comprehensive, they may not cover you for everything you have planned whilst you’re away, particularly if you have adventurous plans or unusual excursions booked. 

Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover. In most cases, it allows you to get your money returned to you if your provider defaults and you cannot travel.

Are you covered by ABTA or ATOL?

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down.

Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.

What is an EHIC or GHIC and what can it offer you?

Get peace of mind – whether travelling for work or play – with our additional cover options.

Annual Multi-Trip Travel Insurance

Single Trip Travel Insurance

Golf Travel Insurance

Sports & Leisure Insurance

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Travel Insurance for people with Medical Conditions

Get peace of mind – whether travelling for work or play – with our additional cover options .

Other products you may like 

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Make a claim, policy documents.

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers  featured in the MoneyHelper  directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm) or Email: [email protected]

What is Business Travel Insurance? | Money

U nexpected events can disrupt even the most meticulously planned business trip . From medical emergencies to trip cancellations , these hiccups can be stressful and costly.

This is where business travel insurance comes in. It acts as a safety net, safeguarding you against a variety of unforeseen expenses:

• Medical emergencies : This includes coverage for unexpected medical bills and treatment costs incurred during your trip.
• Trip cancellations and delays: This coverage provides reimbursement for non-refundable trip expenses if your journey is canceled or delayed due to covered reasons like illness or bad weather.
• Lost or delayed luggage: This covers the cost of replacing essential items if your luggage goes missing or arrives late.
• Medical evacuation and repatriation : Coverage for transport back home in case of a medical emergency .

Many business travel insurance plans go beyond the essentials, offering additional benefits:

• 24/7 Assistance: Access to customer service representatives who can help with travel arrangements, finding medical care , or language translation.
• Business Equipment Coverage: Upgrade your policy to include coverage for laptops, tablets, and other business essentials in case of loss, theft, or damage.
• Rental Vehicle Coverage: Add coverage for rental cars used during your business trip .

How does business travel insurance work?

Business travel insurance affords many of the same protections as personal travel insurance .

Most travel insurance policies reimburse travelers — up to the plan’s limits — if their insured trip is canceled, postponed or delayed due to a covered reason or if they incur emergency medical expenses. They also generally cover lost or delayed luggage and medical evacuation and repatriation.

Additionally, most insurers provide 24/7 customer service and assistance with things like making travel arrangements, finding medical care facilities and obtaining language support.

While coverage options and details vary by insurer, some of the best travel insurance companies let you customize their standard policies by adding coverage for business property and rental vehicles — for an additional cost.

Research the specific types of coverage offered by each company you’re considering before purchasing a plan. It may also be helpful to review our guide on what travel insurance covers .

What does business travel accident insurance cover?

Business travel accident (BTA) insurance can cover different things, depending on the company and policy you select. There is no standard definition for terms like business travel insurance and business travel accident insurance. Companies market various policies under names like these, but policy names don’t guarantee specific types of coverage.

That said, BTA policies may cover:

• Medical expenses stemming from an accident
• Medical evacuation and repatriation
• Emergency travel assistance
• Accidental death and dismemberment
• 24/7 travel assistance

Depending on the insurer, coverage may also extend to personal trips tied to business ones.

Types of coverages in a business travel insurance policy

Again, while coverage options vary by insurer, you can generally find travel insurance plans that bundle the following types of coverage.

Trip cancellation and interruption

When you take a trip, you typically pay for things like your flight, accommodations and activities before you leave. Trip cancellation and interruption insurance reimburses you for those pre-paid, non-refundable trip costs if you cannot travel due to a covered reason.

Your policy will list covered reasons for canceling or interrupting your trip in the description of coverage. However, some common covered reasons include:

• Illness or injury: You, your travel companion or a family member not traveling with you becoming ill or getting injured
• Death: The death of a family member or traveling companion
• Inclement weather: A natural disaster or severe weather at your destination
• Job loss: You or your traveling companion losing their job or getting laid off

To cancel your trip for reasons other than those listed as covered under your policy, you must purchase cancel for any reason (CFAR) coverage. As the name suggests, CFAR travel insurance will reimburse you a percentage of your total trip cost (typically 50% to 75%) if you cancel for any reason at all.

CFAR is generally sold as an upgrade, so it costs extra. And to qualify you must insure the entire cost of your trip and purchase coverage within a certain timeframe, among other potential requirements.

Medical expenses and emergency medical evacuation

Most travel insurance policies cover unforeseen medical emergencies and illnesses. So, if you sprain an ankle or get food poisoning during your business trip, your policy should reimburse you for a portion of the medical expenses you incur. This generally extends to dental emergencies and even emergency medical evacuation to the nearest medical facility and/or your home after you’re discharged.

However, it’s important to note that most plans don’t cover pre-existing conditions . Some insurance companies offer a waiver of their pre-existing conditions exclusion, provided you meet certain requirements. These generally include purchasing coverage soon after booking, insuring the full cost of your trip and being medically fit to travel.

Similarly, doctor visits for routine checkups or prescription refills aren’t covered under travel insurance. But if you’re a U.S. citizen traveling domestically, these and other expenses are likely covered under your health insurance policy.

Travel delays and missed connections

Your business travels could be interrupted by a missed connecting flight or unforeseen arrival or departure delays. In either scenario, you may be faced with unexpected costs such as last-minute hotel bookings or additional transportation expenses to reach your destination.

Most travel policies reimburse you (up to a maximum) for expenses stemming from delays in your travel plans. However, policies generally require a certain number of hours to have passed — three hours or more, for example — before this coverage takes effect.

Baggage loss and delay

If you’re traveling with luggage, there’s always a chance the airline could lose it or send it to the wrong location. If that happens, you may need to purchase new clothes and supplies.

Baggage loss and delay coverage can reimburse you for some of these expenses. However, just as with travel delay coverage, most plans require a certain number of hours to have passed before coverage takes effect.

Business equipment coverage

Companies selling business travel insurance offer optional coverage for business equipment such as laptops, tablets and cameras. If the equipment is lost or damaged by your airline carrier or is stolen during your trip, the policy can cover the cost of repairing or replacing the item — up to your policy limits.

Some insurers also cover part of the cost of repairing or replacing rental equipment that your airline carrier loses, damages or fails to deliver on time.

Conditions may apply with either of these options, so the insurer may require you to report the loss within a certain timeframe or take necessary precautions to avoid a loss. Additionally, the company may exclude certain items from coverage, including passports and other documents.

Rental car damage

Rental car damage coverage is an optional add-on you can purchase along with many base travel insurance policies. This coverage option can reimburse you up to the policy’s coverage limit if your rental car is damaged or stolen during the scheduled rental period.

As with other business travel insurance options, exclusions and conditions may apply. For example, for damages to be covered, the driver at the time of the accident must generally be the same person listed in the rental car agreement.

Note, however, that not all rental car companies accept rental car damage as a suitable form of coverage. Always check with the car rental agency before purchasing this rider.

Who needs business travel insurance?

If you frequently travel for work, business travel insurance can help you cover a portion of the expenses you may incur in the event of a medical emergency, travel delay, cancellation or other covered loss.

This type of policy can benefit those who don’t have business travel coverage through their employer or are self-employed and often travel overseas carrying valuable business equipment. Even if your employer provides travel insurance, you may still want to purchase individual policy to supplement any gaps in their coverage.

How to get business travel insurance

If you think business travel insurance may be right for you, following these steps can help you get the right travel insurance policy and coverage amount.

1. Determine the type and level of coverage you need

Your first step should be to determine the amount of coverage you need for your upcoming trip. To do that, consider whether you already have coverage through a credit card or other form of insurance.

For instance, some of the best business credit cards provide travel insurance and protection if you use the card to book your plane ticket, hotel room or rental vehicle. Depending on your needs and whether your credit card provides primary or secondary coverage, you may not need additional insurance.

Similarly, if you’re traveling domestically, your health insurance policy likely covers medical emergencies that happen across state lines. And your homeowners or renters insurance should cover personal property stored in your vehicle.

If you’re traveling internationally and don’t have other forms of coverage, consider the risks you’re likely to face during your business trip. For example, if you’re traveling with valuable gear, opting for a policy with a high coverage limit for business equipment can protect your pocket and give you peace of mind.

Lastly, if you’re a frequent business traveler, an annual travel insurance plan may be more cost-effective than purchasing separate single-trip plans. Annual plans generally cover all eligible trips you take within the coverage period, as long as each one doesn’t exceed the maximum trip duration outlined by the plan.

2. Compare travel insurance plans from reputable providers

Once you have a good idea of the type and level of coverage you need, start comparing plans from multiple companies. Remember that while some insurers sell dedicated business travel policies, others provide comparable coverage through their standard travel insurance plans.

Regardless of marketing terms, compare policies based on the following:

• Coverage exclusions
• Coverage limits and maximum benefit amounts
• Deductibles you may need to pay before your coverage activates

You may also want to check out travel insurance reviews to get a better sense of a company’s overall offer.

4. Get quotes from multiple travel insurers

To find the coverage you need at the best price, compare travel insurance quotes from multiple companies. Most travel insurers feature quote tools on their websites that can provide accurate price estimates in minutes. All you need to do is input basic personal information and travel details such as:

• Your age and location
• Your travel destination
• The total cost of your trip
• The coverage tier and optional add-ons you want

5. Purchase the policy that best suits your needs and budget

The last step in the process is to compare the insurance offers you’ve gathered and choose the one that best aligns with your requirements. While it may be clear which company offers the most extensive coverage for a reasonable price, you should also be mindful of deductibles and exclusions that could increase your out-of-pocket costs should you need to file a claim.

Is business travel insurance worth it?

The cost of travel insurance can range from 4% to 12% of your total trip cost. That may or may not be a figure you believe is worth paying. The decision comes down to the risks you’re likely to face during your travels and the level of financial responsibility you’re willing to assume in the event of a medical emergency, loss, delay or cancellation.

Summary of Money’s what is business travel insurance

Business travel insurance can provide financial protection for your next business trip by reimbursing you for a portion of the expenses you might incur if you had a medical emergency, travel delay or other covered loss.

While some companies market business insurance as a separate product, these policies generally offer many of the same coverage options as other travel insurance policies. However, some insurers also extend coverage to business equipment and business equipment rentals.

As with any other form of insurance, read your policy details carefully to understand exactly what your plan covers and to what extent.

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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Group Business Travel Insurance

Travelling can be essential to business. But it can become a stressful and expensive affair if things don’t go as planned in an increasingly uncertain world. Chubb’s portfolio of business travel solutions can protect your employees wherever your business takes them. For travel with confidence, this insurance covers them for a wide range of incidents – from lost passports and cash to accidents.

Coverage Highlights

Whether it’s a mishap abroad, or lost business documents, passports and personal belongings along the way, travelling on business can be stressful without the right insurance coverage.  Accidents or illnesses that happen to key staff members while representing your interests abroad, or even a family crisis back on the home front can also distract them from the objectives of their business trip. Chubb can protect your business from these unanticipated challenges to your overseas business ventures.

• Get prepared, get covered!

With Chubb’s Business Travel, you can protect your business interests in the event of an emergency. Anything, from flying out a replacement colleague to reimbursement for abortive expenses, can be covered.

Chubb’s Business Travel offers on-the-spot emergency assistance 24 hours a day, 365 days a year, anywhere in the world. Whether it’s a minor glitch or a major emergency, our fuss-free multinational risk management and business trip insurance solutions offer total peace of mind.

• Vital assistance with just one phone call

With Chubb Assistance, special arrangements can be organised to airlift your personnel out of remote areas where proper medical care is not available.

• Customise your own business travel programme

One of the best features of Chubb’s Business Travel is that all the benefits can be tailored to meet your needs.

Additional Free Coverage

Applicable for each plan

Chubb Travel Smart

Our customers also benefit from Chubb Travel Smart, comprising three powerful tools to help employers manage their duty of care obligations:

• A smartphone app to help travelling employees before and during their trip
• An online dashboard for risk, HR and security managers that enables them to locate and send messages and alerts to business travellers; and
• Online pre-travel risk training for employees so they can prepare before their trip.

Read more about Chubb Travel Smart .

Learn how Chubb Travel Smart helps employers better fulfil their duty of are obligations to their travelling employees, by providing information and tools to travel with confidence.

All you have to do is:

• Review our Group Business Travel (Standard Plan) and decide which plan type is suitable for your needs.
• Complete our Application Form and pass it to your insurance intermediary for onward submission to Chubb.

The above information is intended to be a general summary for reference only and does not form part of the policy. You should refer to the policy wordings, available upon request, for exact terms, conditions and exclusions. The above information shall not be constructed as an offer to sell or solicitation to buy or provision of any our products outside Hong Kong SAR.  For further information, please contact Chubb Insurance Hong Kong Limited on +852 3191 6800.

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Godrej Group announces company split and director board reshuffle

Mumbai: Godrej Group, a legacy brand familiar to every Indian household, has announced its ownership realignment. With this, the 127-year-old group will split into two entities - one led by Adi Godrej and his brother Nadir and the other by their cousins Jamshyd and Smita. This realignment will be executed following the necessary regulatory approvals,the company has said.

Adi Godrej, Nadir Godrej, and their immediate families will oversee Godrej Industries Group (GIG). GIG includes Godrej Industries Ltd, Godrej Consumer Products Ltd, Godrej Properties Ltd, Godrej Agrovet Ltd, and Astec Lifesciences Ltd. Pirojsha Godrej will serve as the executive vice-chairperson of GIG and is set to succeed Nadir Godrej as the chairperson in August 2026.

On the other hand, Jamshyd Godrej and his niece Nyrika Holkar, and their immediate families will have control over the Godrej Enterprises Group (GEG), comprising  Godrej & Boyce (G&B) and its affiliates, which have a presence across multiple industries spanning aerospace, aviation, defence, engines and motors, energy, security, building materials, construction, green building consulting, engineering, procurement, and construction (EPC) services, intralogistics, healthcare equipment, durables, furniture, interior design, architectural fittings, it, software as well as infrastructure solutions.

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Jamshyd Naoroji Godrej and his sister Smita Crishna Godrej-controlled Godrej & Boyce will hold the exclusive construction rights over a vast land bank, including a prime 3,000-acre property in Mumbai they got as part of the family agreement that split the Godrej empire, as per sources and regulatory filing.

While both groups will continue to use the Godrej brand name, they have signed a six-year non-compete pact that will restrict them from entering each other's sectors. Once this period concludes, they can explore other sectors but must refrain from using the Godrej name for such ventures, as per sources and regulatory filings. Sources said the split was done through the transfer of shares, not value.

Adi and Nadir Godrej will divest their stakes in Godrej & Boyce to the other branch. Jamshyd Godrej and his side of the family will transfer interests in Godrej Consumer Products (GCPL) and Godrej Properties to their cousins through a family arrangement.

Real estate worth thousands of crores of rupees, mostly in prime Mumbai suburbs, will remain under Godrej & Boyce (G&B), and a separate agreement will be worked out to govern the ownership rights.

Sources said G&B will own the sole construction right over all the land bank, while Godrej Properties of the other faction will have the right to market. Godrej Properties will have no construction rights. It owns 3,400 acres of land in Mumbai, including a 3,000-acre parcel in Vikhroli, Mumbai.

The historical roots of the Godrej Group trace back to Ardeshir Godrej, a lawyer-turned-entrepreneur, and his brother, who succeeded in locksmithing in 1897 after earlier ventures in handcrafted medical devices failed. The group's legacy passed from Ardeshir to his younger brother Pirojsha and to Pirojsha's children - Sohrab, Dosa, Burjor, and Naval. Eventually, control shifted to Burjor's descendants (Adi and Nadir) and Naval's descendants (Jamshyd and Smita) over time due to the absence of heirs in other branches of the family.

The split necessitated resignations from the boards of companies within rival camps. Adi and Nadir Godrej resigned from their positions on the Godrej & Boyce Board, while Jamshyd Godrej stepped down from GCPL and Godrej Properties boards to facilitate this restructuring. (With PTI Inputs)

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